Independent Banker

Founded in 1950, Independent Banker is a monthly trade magazine published by the Independent Community Bankers of America.

Articles from Vol. 60, No. 5, May

Building Blocks
How Build America Bonds can fortify your bank's investment portfolioAmong the many professionals on whom a community bank relies for advice, the tax man is near the top of the list in terms of value-added contacts. Arcane accounting rules, the ever-changing...
Change Game
Responding to risk in the next decadeFor the next decade, only the prepared will thrive. The post-recession environment requires serious strategic planning for a future very different from the one you envisioned as you developed your community bank's...
Communication Revolution
You've probably heard-perhaps on the Web-some of these eye-popping statistics about social media:* Half of Americans age 12 and older are members of at least one social network.* Every day more than 1.5 million bits of information-from love notes to...
Convention Highlights
ICBA in ac tionIn an atmosphere positively charged with new ideas, opportunities and inspiration, more than 3,000 people attended the 2010 National Convention and Techworld in Orlando, the largest gathering of community bankers anywhere.More than 60...
Document Efficiencies
Ten best practices for content-management systemsCommunity banks have invested significant time, resources and money to achieve the goal of a paperless environment, sometimes only to recoup a minimal return on their technology investment. As a result,...
Doing the Math
When pursuing products and services, determining ROI ahead of time can help community banks make the best possible purchase decisionsEvery community bank wants to think its product-and-service investments will pay off quickly, particularly now that profit...
How Did CenterState Court the Failed Bank's Core Deposit Customers?
THE FAILURE OF A NEARBY BANK OFFERED FLORIDA'S CENTERSTATE BANK A CHANCE TO GROW.CenterState Bank in Winter Haven, Fla., has always looked for expansion opportunities that fit the steady, conservative business model it's maintained since opening in the...
Nuts & Bolts of Reg Overdraft-Fee Rules
Until July 1, financial institutions may charge consumers a fee for overdraft services for ATM and everyday debit-card transactions without their written agreement. The next day everything changes.In mid-November, the Federal Reserve released a final...
Overwhelmed by Overdraft Regulations?
REG E REVISIONS ARE GENERATING NEW REQUIREMENTS, MORE RESTRTRICTCTIONS, SHORTRT-TERM CHALLENGES AND LONG-TERM DECISIONS. HERE'S SOME ADVICE TO HELP YOUR OVERDRAFT PROGRAM MAKE SENSE OF IT ALLOverdraft-protection programs have been under attack by those...
Policy Principles for the Secondary Market
AS THE ADMINISTRATION AND CONGRESS CONSIDER HOW TO RESOLVE THE CONSERVATORSHIP OF FANNIE MAE AND FREDDIE MAC, VARIOUS IDEAS ARE EMERGING THAT WILL SHAPE THE PUBLIC DEBATE-AND ICBA IS WEIGHING IN FOR COMMUNITY BANKSFannieFannie Mae and Freddie Mac continue...
You, the Leadership
I find it interesting that we call this monthly chairman's letter to ICBA members "From the Top." I assume that's the name because it is written by the chairman. But as I view it, leadership-in terms of how we function-begins at the grassroots level.That...